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Loans | 9 Months Ended
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Sep. 30, 2020
Loans |
Loans | Note 6 — Loans ​ The following is a summary of total loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2019 |
Loans: | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Construction and land development | ​ | $ | 1,840,111 | ​ | $ | 1,017,261 | ​ | $ | 1,025,387 | ​
Commercial non-owner occupied | ​ |  | 5,936,372 | ​ |  | 2,323,967 | ​ |  | 2,357,730 | ​
Commercial owner occupied real estate | ​ |  | 4,846,020 | ​ |  | 2,158,701 | ​ |  | 2,093,795 | ​
Consumer owner occupied | ​ |  | 4,311,186 | ​ |  | 2,706,960 | ​ |  | 2,760,126 | ​
Home equity loans | ​ |  | 1,347,798 | ​ |  | 758,020 | ​ |  | 773,363 | ​
Commercial and industrial | ​ |  | 5,419,120 | ​ |  | 1,386,327 | ​ |  | 1,261,527 | ​
Other income producing property | ​ |  | 629,497 | ​ |  | 346,554 | ​ |  | 361,879 | ​
Consumer | ​ |  | 900,171 | ​ |  | 663,422 | ​ |  | 654,883 | ​
Other loans | ​ |  | 7,540 | ​ |  | 13,892 | ​ |  | 1,457 | ​
Total loans | ​ |  | 25,237,815 | ​ |  | 11,375,104 | ​ |  | 11,290,147 | ​
Less allowance for credit losses | ​ |  | (440,159) | ​ |  | (61,991) | ​ |  | (60,255) | ​
Loans, net | ​ | $ | 24,797,656 | ​ | $ | 11,313,113 | ​ | $ | 11,229,892 | ​
| (1) | Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans.
| (2) | Consumer owner occupied real estate includes loans on both 1-4 family owner occupied property, as well as 1-4 family investment rental property.
​ In accordance with the adoption of ASU 2016-13, the above table reflects the loan portfolio at the amortized cost basis for the current period September 30, 2020, to include net deferred cost of $50.5 million and unamortized discount total related to loans acquired of $110.4 million. Accrued interest receivable (AIR) of $97.8 million is accounted for separately and reported in other assets. The allowance for credit losses in the comparative periods includes the day 2 valuation allowance on the acquired credit impaired loans, which was $5.1 million at December 31, 2019 and $5.3 million at September 30, 2019. ​ The comparative periods in the above table reflect the loan portfolio prior to the adoption of ASU 2016-13. Prior periods were reported as shown in the below tables, with the acquired loans being net of unearned income and of related discounts, which includes the credit discount on the acquired credit impaired loans. ​ The following is a summary of non-acquired loans for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | September 30, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |
Non-acquired loans: | ​ | ​ |  | ​ | ​ |  | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 968,360 | ​ | $ | 955,318 | ​
Commercial non-owner occupied | ​ |  | 1,811,138 | ​ |  | 1,777,327 | ​
Total commercial non-owner occupied real estate | ​ |  | 2,779,498 | ​ |  | 2,732,645 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 2,118,839 | ​ |  | 2,118,127 | ​
Home equity loans | ​ |  | 518,628 | ​ |  | 521,744 | ​
Total consumer real estate | ​ |  | 2,637,467 | ​ |  | 2,639,871 | ​
Commercial owner occupied real estate | ​ |  | 1,784,017 | ​ |  | 1,677,695 | ​
Commercial and industrial | ​ |  | 1,280,859 | ​ |  | 1,130,847 | ​
Other income producing property | ​ |  | 218,617 | ​ |  | 220,957 | ​
Consumer | ​ |  | 538,481 | ​ |  | 525,040 | ​
Other loans | ​ |  | 13,892 | ​ |  | 1,457 | ​
Total non-acquired loans | ​ |  | 9,252,831 | ​ |  | 8,928,512 | ​
Less allowance for loan losses | ​ |  | (56,927) | ​ |  | (54,937) | ​
Non-acquired loans, net | ​ | $ | 9,195,904 | ​ | $ | 8,873,575 | ​
​ The following is a summary of acquired non-credit impaired loans accounted for under FASB ASC Topic 310-20, net of related discount, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | September 30,
(Dollars in thousands) | ​ | 2019 | ​ | 2019
Acquired non-credit impaired loans: |  | ​ |  |  | ​ |
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 33,569 | ​ | $ | 53,302
Commercial non-owner occupied | ​ |  | 447,441 | ​ |  | 503,443
Total commercial non-owner occupied real estate | ​ |  | 481,010 | ​ |  | 556,745
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 496,431 | ​ |  | 543,432
Home equity loans | ​ |  | 188,732 | ​ |  | 198,112
Total consumer real estate | ​ |  | 685,163 | ​ |  | 741,544
Commercial owner occupied real estate | ​ |  | 307,193 | ​ |  | 345,040
Commercial and industrial | ​ |  | 101,880 | ​ |  | 126,092
Other income producing property | ​ |  | 95,697 | ​ |  | 103,093
Consumer | ​ |  | 89,484 | ​ |  | 93,089
Acquired non-credit impaired loans | ​ | $ | 1,760,427 | ​ | $ | 1,965,603
​ The unamortized discount related to the acquired non-credit impaired loans totaled $20.3 million and $24.2 million at December 31, 2019, and September 30, 2019, respectively. ​ In accordance with FASB ASC Topic 310-30, we aggregated acquired loans that have common risk characteristics into pools of loan categories as described in the table below. The following is a summary of acquired credit impaired loans accounted for under FASB ASC Topic 310-30 (identified as credit impaired at the time of acquisition), net of related discount, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | September 30,
(Dollars in thousands) |  | 2019 |  | 2019
Acquired credit impaired loans: | ​ | ​ |  | ​ | ​ |
Commercial real estate | ​ | $ | 130,938 | ​ | $ | 149,134
Commercial real estate—construction and development | ​ |  | 25,032 | ​ |  | 26,930
Residential real estate | ​ |  | 163,359 | ​ |  | 175,044
Consumer | ​ |  | 35,488 | ​ |  | 36,812
Commercial and industrial | ​ |  | 7,029 | ​ |  | 8,112
Acquired credit impaired loans | ​ |  | 361,846 | ​ |  | 396,032
Less allowance for loan losses | ​ |  | (5,064) | ​ |  | (5,318)
Acquired credit impaired loans, net | ​ | $ | 356,782 | ​ | $ | 390,714
​ As part of the ongoing monitoring of the credit quality of our loan portfolio, Management tracks certain credit quality indicators, including trends related to (i) the level of classified loans, (ii) net charge-offs, (iii) non-performing loans (see details below), and (iv) the general economic conditions of the markets that we serve. ​ We utilize a risk grading matrix to assign a risk grade to each commercial loan. Classified loans are assessed at a minimum every six months. A description of the general characteristics of the risk grades is as follows: ​
| ● | Pass—These loans range from minimal credit risk to average, however, still acceptable credit risk.
| ● | Special mention—A special mention loan has potential weaknesses that deserve Management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.
| ● | Substandard—A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
| ● | Doubtful—A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable.
​ Construction and land development loans in the following table are on commercial and speculative real estate. Consumer owner occupied loans are on investment or rental 1-4 properties. The following table presents the credit risk profile by risk grade of commercial loans by origination year: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of September 30, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 310,705 | $ 417,268 | $ 162,696 | $ 87,830 | $ 44,234 | $ 62,987 | $ 17,572 | $ 1,103,292
Special mention | 3,873 | 24,986 | 434 | 1,640 | 4,273 | 8,469 | - | 43,675
Substandard | 355 | 2,815 | 856 | 1,921 | 654 | 3,847 | - | 10,448
Doubtful | - | - | - | - | - | 8 | - | 8
Total Construction and land development | $ 314,933 | $ 445,069 | $ 163,986 | $ 91,391 | $ 49,161 | $ 75,311 | $ 17,572 | $ 1,157,423
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 549,564 | $ 1,105,865 | $ 878,410 | $ 705,532 | $ 725,339 | $ 1,303,140 | $ 59,442 | $ 5,327,292
Special mention | 41,358 | 76,702 | 106,855 | 46,660 | 35,293 | 131,472 | - | 438,340
Substandard | 1,317 | 49,669 | 8,127 | 27,310 | 38,636 | 45,677 | - | 170,736
Doubtful | - | - | - | - | - | 4 | - | 4
Total Commercial non-owner occupied | $ 592,239 | $ 1,232,236 | $ 993,392 | $ 779,502 | $ 799,268 | $ 1,480,293 | $ 59,442 | $ 5,936,372
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Owner Occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 623,490 | $ 979,946 | $ 752,860 | $ 627,298 | $ 489,093 | $ 1,122,413 | $ 35,709 | $ 4,630,809
Special mention | 4,836 | 13,658 | 14,252 | 14,814 | 14,729 | 48,751 | 97 | 111,137
Substandard | 4,089 | 4,992 | 3,796 | 23,326 | 15,075 | 52,441 | 350 | 104,069
Doubtful | - | - | - | - | - | 5 | - | 5
Total commercial owner occupied | $ 632,415 | $ 998,596 | $ 770,908 | $ 665,438 | $ 518,897 | $ 1,223,610 | $ 36,156 | $ 4,846,020
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 2,944,353 | $ 630,152 | $ 484,117 | $ 339,940 | $ 237,691 | $ 456,125 | $ 227,613 | $ 5,319,991
Special mention | 9,431 | 6,959 | 3,768 | 7,772 | 2,791 | 26,921 | 11,600 | 69,242
Substandard | 526 | 867 | 7,513 | 7,573 | 3,388 | 7,159 | 2,850 | 29,876
Doubtful | - | 1 | 1 | 3 | 3 | 2 | 1 | 11
Total commercial and industrial | $ 2,954,310 | $ 637,979 | $ 495,399 | $ 355,288 | $ 243,873 | $ 490,207 | $ 242,064 | $ 5,419,120
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 86,891 | $ 93,360 | $ 79,172 | $ 64,528 | $ 74,821 | $ 138,341 | $ 6,425 | $ 543,538
Special mention | 2,649 | 1,249 | 1,875 | 238 | 885 | 12,637 | 100 | 19,633
Substandard | 633 | 909 | 849 | 1,213 | 996 | 13,808 | 47 | 18,455
Doubtful | - | - | - | - | - | 6 | - | 6
Total other income producing property | $ 90,173 | $ 95,518 | $ 81,896 | $ 65,979 | $ 76,702 | $ 164,792 | $ 6,572 | $ 581,632
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 6,990 | $ 4,951 | $ 612 | $ 357 | $ 1,564 | $ 1,604 | $ 13,321 | $ 29,399
Special mention | 29 | 3,613 | 251 | 65 | - | 140 | 304 | 4,402
Substandard | 121 | 389 | 143 | 89 | 6 | 341 | - | 1,089
Doubtful | - | - | - | - | - | - | - | -
Total Consumer owner occupied | $ 7,140 | $ 8,953 | $ 1,006 | $ 511 | $ 1,570 | $ 2,085 | $ 13,625 | $ 34,890
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 7,540 | $ - | $ - | $ - | $ - | $ - | $ - | $ 7,540
Special mention | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | -
Doubtful | - | - | - | - | - | - | - | -
Total other loans | $ 7,540 | $ - | $ - | $ - | $ - | $ - | $ - | $ 7,540
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ 4,529,533 | $ 3,231,542 | $ 2,357,867 | $ 1,825,485 | $ 1,572,742 | $ 3,084,610 | $ 360,082 | $ 16,961,861
Special mention | 62,176 | 127,167 | 127,435 | 71,189 | 57,971 | 228,390 | 12,101 | 686,429
Substandard | 7,041 | 59,641 | 21,284 | 61,432 | 58,755 | 123,273 | 3,247 | 334,673
Doubtful | - | 1 | 1 | 3 | 3 | 25 | 1 | 34
Total Commercial Loans | $ 4,598,750 | $ 3,418,351 | $ 2,506,587 | $ 1,958,109 | $ 1,689,471 | $ 3,436,298 | $ 375,431 | $ 17,982,997
​ For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. Construction and land development loans are on 1-4 properties and lots. The following table presents the credit risk profile by past due status of consumer loans by origination year: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of September 30, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Consumer owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 683,682 | $ 702,582 | $ 635,065 | $ 580,141 | $ 444,876 | $ 1,212,359 | $ - | $ 4,258,705
30 days past due | - | 63 | 237 | 116 | 68 | 2,736 | - | 3,220
60 days past due | 246 | 330 | 1,824 | 134 | 516 | 1,445 | - | 4,495
90 days past due | - | 337 | 364 | 1,279 | 905 | 6,991 | - | 9,876
Total Consumer owner occupied | $ 683,928 | $ 703,312 | $ 637,490 | $ 581,670 | $ 446,365 | $ 1,223,531 | $ - | $ 4,276,296
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 6,134 | $ 6,972 | $ 8,988 | $ 1,758 | $ 442 | $ 31,746 | $ 1,282,226 | $ 1,338,266
30 days past due | 155 | - | - | 289 | 7 | 314 | 2,752 | 3,517
60 days past due | - | 6 | - | - | - | 49 | 600 | 655
90 days past due | - | 68 | - | 157 | 315 | 3,165 | 1,655 | 5,360
Total Home equity loans | $ 6,289 | $ 7,046 | $ 8,988 | $ 2,204 | $ 764 | $ 35,274 | $ 1,287,233 | $ 1,347,798
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 229,845 | $ 229,491 | $ 132,566 | $ 74,318 | $ 46,477 | $ 161,134 | $ 21,285 | $ 895,116
30 days past due | 100 | 326 | 243 | 117 | 124 | 934 | 19 | 1,863
60 days past due | 36 | 44 | 68 | 105 | 22 | 646 | 18 | 939
90 days past due | 47 | 82 | 340 | 161 | 156 | 1,466 | 1 | 2,253
Total consumer | $ 230,028 | $ 229,943 | $ 133,217 | $ 74,701 | $ 46,779 | $ 164,180 | $ 21,323 | $ 900,171
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 262,567 | $ 269,667 | $ 86,778 | $ 24,277 | $ 7,238 | $ 31,980 | $ - | $ 682,507
30 days past due | 13 | - | - | - | - | 14 | - | 27
60 days past due | - | - | - | - | - | 47 | - | 47
90 days past due | - | - | - | - | - | 107 | - | 107
Total Construction and land development | $ 262,580 | $ 269,667 | $ 86,778 | $ 24,277 | $ 7,238 | $ 32,148 | $ - | $ 682,688
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 3,226 | $ 1,791 | $ 2,441 | $ 4,091 | $ 3,065 | $ 33,236 | $ - | $ 47,850
30 days past due | - | - | - | - | - | - | - | -
60 days past due | - | - | - | - | - | - | - | -
90 days past due | - | - | - | - | - | 15 | - | 15
Total other income producing property | $ 3,226 | $ 1,791 | $ 2,441 | $ 4,091 | $ 3,065 | $ 33,251 | $ - | $ 47,865
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Consumer Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Days past due: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current | $ 1,185,454 | $ 1,210,503 | $ 865,838 | $ 684,585 | $ 502,098 | $ 1,470,455 | $ 1,303,511 | $ 7,222,444
30 days past due | 268 | 389 | 480 | 522 | 199 | 3,998 | 2,771 | 8,627
60 days past due | 282 | 380 | 1,892 | 239 | 538 | 2,187 | 618 | 6,136
90 days past due | 47 | 487 | 704 | 1,597 | 1,376 | 11,744 | 1,656 | 17,611
Total Consumer Loans | $ 1,186,051 | $ 1,211,759 | $ 868,914 | $ 686,943 | $ 504,211 | $ 1,488,384 | $ 1,308,556 | $ 7,254,818
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Term Loans | ​ | ​
(Dollars in thousands) | Amortized Cost Basis by Origination Year | ​ | ​
As of September 30, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving | Total
Total Loans | $ 5,784,801 | $ 4,630,110 | $ 3,375,501 | $ 2,645,052 | $ 2,193,682 | $ 4,924,682 | $ 1,683,987 | $ 25,237,815
​ The following table presents the credit risk profile by risk grade of commercial loans for non-acquired loans, for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Construction & Development | ​ | Commercial Non-owner Occupied | ​ | Commercial Owner Occupied |
​ | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 959,206 | ​ | $ | 947,230 | ​ | $ | 1,787,306 | ​ | $ | 1,768,013 | ​ | $ | 1,754,801 | ​ | $ | 1,648,456 | ​
Special mention | ​ |  | 7,095 | ​ |  | 5,601 | ​ |  | 22,410 | ​ |  | 7,091 | ​ |  | 19,742 | ​ |  | 17,319 | ​
Substandard | ​ |  | 2,059 | ​ |  | 2,487 | ​ |  | 1,422 | ​ |  | 2,223 | ​ |  | 9,474 | ​ |  | 11,920 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 968,360 | ​ | $ | 955,318 | ​ | $ | 1,811,138 | ​ | $ | 1,777,327 | ​ | $ | 1,784,017 | ​ | $ | 1,677,695 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial & Industrial | ​ | Other Income Producing Property | ​ | Commercial Total |
​ | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, |
​ |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 1,256,465 | ​ | $ | 1,103,532 | ​ | $ | 213,291 | ​ | $ | 215,624 | ​ | $ | 5,971,069 | ​ | $ | 5,682,855 | ​
Special mention | ​ |  | 16,055 | ​ |  | 18,148 | ​ |  | 3,966 | ​ |  | 3,922 | ​ |  | 69,268 | ​ |  | 52,081 | ​
Substandard | ​ |  | 8,339 | ​ |  | 9,167 | ​ |  | 1,360 | ​ |  | 1,411 | ​ |  | 22,654 | ​ |  | 27,208 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 1,280,859 | ​ | $ | 1,130,847 | ​ | $ | 218,617 | ​ | $ | 220,957 | ​ | $ | 6,062,991 | ​ | $ | 5,762,144 | ​
​ The following table presents the credit risk profile by risk grade of consumer loans for non-acquired loans, for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Owner Occupied | ​ | Home Equity | ​ | Consumer |
​ | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 2,094,080 | ​ | $ | 2,091,129 | ​ | $ | 508,054 | ​ | $ | 510,508 | ​ | $ | 536,002 | ​ | $ | 522,674 | ​
Special mention | ​ |  | 9,585 | ​ |  | 9,054 | ​ |  | 4,490 | ​ |  | 5,373 | ​ |  | 487 | ​ |  | 421 | ​
Substandard | ​ |  | 15,174 | ​ |  | 17,944 | ​ |  | 6,084 | ​ |  | 5,863 | ​ |  | 1,992 | ​ |  | 1,945 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 2,118,839 | ​ | $ | 2,118,127 | ​ | $ | 518,628 | ​ | $ | 521,744 | ​ | $ | 538,481 | ​ | $ | 525,040 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Other | ​ | Consumer Total |
​ |  | December 31, 2019 |  | September 30, 2019 |  | December 31, 2019 |  | September 30, 2019 |
Pass | ​ | $ | 13,892 | ​ | $ | 1,457 | ​ | $ | 3,152,028 | ​ | $ | 3,125,768 | ​
Special mention | ​ |  | — | ​ |  | — | ​ |  | 14,562 | ​ |  | 14,848 | ​
Substandard | ​ |  | — | ​ |  | — | ​ |  | 23,250 | ​ |  | 25,752 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 13,892 | ​ | $ | 1,457 | ​ | $ | 3,189,840 | ​ | $ | 3,166,368 | ​
​ The following table presents the credit risk profile by risk grade of total non-acquired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total Non-acquired Loans |
​ | ​ | December 31, | ​ | September 30, |
(Dollars in thousands) |  | 2019 |  | 2019 |
Pass | ​ | $ | 9,123,097 | ​ | $ | 8,808,623 | ​
Special mention | ​ |  | 83,830 | ​ |  | 66,929 | ​
Substandard | ​ |  | 45,904 | ​ |  | 52,960 | ​
Doubtful | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 9,252,831 | ​ | $ | 8,928,512 | ​
​ The following table presents the credit risk profile by risk grade of commercial loans for acquired non-credit impaired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial Non-owner | ​ | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Construction & Development | ​ | Occupied | ​ | Commercial Owner Occupied |
​ | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 31,690 | ​ | $ | 51,340 | ​ | $ | 432,710 | ​ | $ | 492,258 | ​ | $ | 300,678 | ​ | $ | 330,005 | ​
Special mention | ​ |  | 966 | ​ |  | 736 | ​ |  | 14,162 | ​ |  | 5,035 | ​ |  | 3,092 | ​ |  | 3,427 | ​
Substandard | ​ |  | 913 | ​ |  | 1,226 | ​ |  | 569 | ​ |  | 6,150 | ​ |  | 3,423 | ​ |  | 11,608 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 33,569 | ​ | $ | 53,302 | ​ | $ | 447,441 | ​ | $ | 503,443 | ​ | $ | 307,193 | ​ | $ | 345,040 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Other Income Producing | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial & Industrial | ​ | Property | ​ | Commercial Total | ​
​ | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​
​ |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 97,092 | ​ | $ | 120,926 | ​ | $ | 87,892 | ​ | $ | 95,611 | ​ | $ | 950,062 | ​ | $ | 1,090,140 | ​
Special mention | ​ |  | 2,948 | ​ |  | 4,051 | ​ |  | 5,837 | ​ |  | 5,937 | ​ |  | 27,005 | ​ |  | 19,186 | ​
Substandard | ​ |  | 1,840 | ​ |  | 1,115 | ​ |  | 1,968 | ​ |  | 1,545 | ​ |  | 8,713 | ​ |  | 21,644 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 101,880 | ​ | $ | 126,092 | ​ | $ | 95,697 | ​ | $ | 103,093 | ​ | $ | 985,780 | ​ | $ | 1,130,970 | ​
​ The following table presents the credit risk profile by risk grade of consumer loans for acquired non-credit impaired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Owner Occupied | ​ | Home Equity | ​ | Consumer | ​
​ | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 486,433 | ​ | $ | 532,760 | ​ | $ | 174,912 | ​ | $ | 184,946 | ​ | $ | 86,535 | ​ | $ | 90,076 | ​
Special mention | ​ |  | 6,434 | ​ |  | 6,805 | ​ |  | 5,679 | ​ |  | 5,405 | ​ |  | 654 | ​ |  | 574 | ​
Substandard | ​ |  | 3,564 | ​ |  | 3,867 | ​ |  | 8,141 | ​ |  | 7,761 | ​ |  | 2,295 | ​ |  | 2,439 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 496,431 | ​ | $ | 543,432 | ​ | $ | 188,732 | ​ | $ | 198,112 | ​ | $ | 89,484 | ​ | $ | 93,089 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Consumer Total
​ | ​ | December 31, | ​ | September 30,
​ | ​ | 2019 |  | 2019
Pass | ​ | $ | 747,880 | ​ | $ | 807,782
Special mention | ​ |  | 12,767 | ​ |  | 12,784
Substandard | ​ |  | 14,000 | ​ |  | 14,067
Doubtful | ​ |  | — | ​ |  | —
​ | ​ | $ | 774,647 | ​ | $ | 834,633
​ The following table presents the credit risk profile by risk grade of total acquired non-credit impaired loans for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total Acquired | ​
​ | ​ | Non-credit Impaired Loans | ​
​ | ​ | December 31, | ​ | September 30, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |
Pass | ​ | $ | 1,697,942 | ​ | $ | 1,897,922 | ​
Special mention | ​ |  | 39,772 | ​ |  | 31,970 | ​
Substandard | ​ |  | 22,713 | ​ |  | 35,711 | ​
Doubtful | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 1,760,427 | ​ | $ | 1,965,603 | ​
​ The following table presents the credit risk profile by risk grade of acquired credit impaired loans (identified as credit-impaired at the time of acquisition), net of the related discount for comparative periods, prior to the adoption of ASU 2016-13, under the incurred loss model: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Commercial Real Estate— |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Construction and |
​ | ​ | Commercial Real Estate | ​ | Development |
​ |  | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, |
(Dollars in thousands) |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 108,762 | ​ | $ | 121,264 | ​ | $ | 17,756 | ​ | $ | 18,978 | ​
Special mention | ​ |  | 6,465 | ​ |  | 9,064 | ​ |  | 2,904 | ​ |  | 3,018 | ​
Substandard | ​ |  | 15,711 | ​ |  | 18,806 | ​ |  | 4,372 | ​ |  | 4,934 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 130,938 | ​ | $ | 149,134 | ​ | $ | 25,032 | ​ | $ | 26,930 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Residential Real Estate | ​ | Consumer | ​ | Commercial & Industrial |
​ | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, | ​ | December 31, | ​ | September 30, |
​ |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |  | 2019 |
Pass | ​ | $ | 82,203 | ​ | $ | 88,131 | ​ | $ | 4,483 | ​ | $ | 4,696 | ​ | $ | 5,160 | ​ | $ | 5,703 | ​
Special mention | ​ |  | 35,968 | ​ |  | 36,901 | ​ |  | 12,658 | ​ |  | 12,723 | ​ |  | 286 | ​ |  | 471 | ​
Substandard | ​ |  | 45,188 | ​ |  | 50,012 | ​ |  | 18,347 | ​ |  | 19,393 | ​ |  | 1,583 | ​ |  | 1,938 | ​
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 163,359 | ​ | $ | 175,044 | ​ | $ | 35,488 | ​ | $ | 36,812 | ​ | $ | 7,029 | ​ | $ | 8,112 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Total Acquired | ​
​ | ​ | Credit Impaired Loans | ​
​ | ​ | December 31, | ​ | September 30, | ​
​ |  | 2019 |  | 2019 |
Pass | ​ | $ | 218,364 | ​ | $ | 238,772 | ​
Special mention | ​ |  | 58,281 | ​ |  | 62,177 | ​
Substandard | ​ |  | 85,201 | ​ |  | 95,083 | ​
Doubtful | ​ |  | — | ​ |  | — | ​
​ | ​ | $ | 361,846 | ​ | $ | 396,032 | ​
​ The risk grading of acquired credit impaired loans is determined utilizing a loan’s contractual balance, while the amount recorded in the financial statements and reflected above is the carrying value. ​ The following table presents an aging analysis of past due accruing loans, segregated by class: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | ​ | ​ | ​ | Total
(Dollars in thousands) | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Non-Accruing | ​ | Loans
September 30, 2020 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | $ | 2,028 | ​ | $ | 245 | ​ | $ | — | ​ | $ | 2,273 | ​ | $ | 1,836,193 | ​ | $ | 1,645 | ​ | $ | 1,840,111
Commercial non-owner occupied |  | 604 | ​ |  | 21 | ​ |  | — | ​ |  | 625 | ​ |  | 5,928,700 | ​ |  | 7,047 | ​ |  | 5,936,372
Commercial owner occupied |  | 1,150 | ​ | ​ | 859 | ​ |  | 526 | ​ |  | 2,535 | ​ |  | 4,812,672 | ​ |  | 30,813 | ​ |  | 4,846,020
Consumer owner occupied |  | 2,184 | ​ |  | 4,494 | ​ |  | 1 | ​ |  | 6,679 | ​ |  | 4,271,410 | ​ |  | 33,097 | ​ |  | 4,311,186
Home equity loans |  | 1,997 | ​ |  | 476 | ​ |  | 379 | ​ |  | 2,852 | ​ |  | 1,333,516 | ​ |  | 11,430 | ​ |  | 1,347,798
Commercial and industrial |  | 10,728 | ​ |  | 1,507 | ​ |  | 632 | ​ |  | 12,867 | ​ |  | 5,393,529 | ​ |  | 12,724 | ​ |  | 5,419,120
Other income producing property |  | 1,261 | ​ |  | — | ​ |  | — | ​ |  | 1,261 | ​ |  | 620,112 | ​ |  | 8,124 | ​ |  | 629,497
Consumer |  | 1,653 | ​ |  | 969 | ​ |  | 4 | ​ |  | 2,626 | ​ |  | 891,531 | ​ |  | 6,014 | ​ |  | 900,171
Other loans |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 7,540 | ​ |  | — | ​ |  | 7,540
​ | $ | 21,605 | ​ | $ | 8,571 | ​ | $ | 1,542 | ​ | $ | 31,718 | ​ | $ | 25,095,203 | ​ | $ | 110,894 | ​ | $ | 25,237,815
​ The following table presents an aging analysis of past due accruing loans, segregated by class for non-acquired loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | ​ | ​ | ​ | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Non-Accruing | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 321 | ​ | $ | 34 | ​ | $ | — | ​ | $ | 355 | ​ | $ | 967,511 | ​ | $ | 494 | ​ | $ | 968,360
Commercial non-owner occupied | ​ |  | 114 | ​ |  | — | ​ |  | — | ​ |  | 114 | ​ |  | 1,810,264 | ​ |  | 760 | ​ |  | 1,811,138
Commercial owner occupied | ​ |  | 3,218 | ​ | ​ | 553 | ​ |  | — | ​ |  | 3,771 | ​ |  | 1,776,764 | ​ |  | 3,482 | ​ |  | 1,784,017
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 752 | ​ |  | — | ​ |  | — | ​ |  | 752 | ​ |  | 2,110,719 | ​ |  | 7,368 | ​ |  | 2,118,839
Home equity loans | ​ |  | 1,343 | ​ |  | 39 | ​ |  | — | ​ |  | 1,382 | ​ |  | 515,673 | ​ |  | 1,573 | ​ |  | 518,628
Commercial and industrial | ​ |  | 2,097 | ​ |  | 100 | ​ |  | 110 | ​ |  | 2,307 | ​ |  | 1,272,360 | ​ |  | 6,192 | ​ |  | 1,280,859
Other income producing property | ​ |  | 208 | ​ |  | — | ​ |  | 404 | ​ |  | 612 | ​ |  | 217,159 | ​ |  | 846 | ​ |  | 218,617
Consumer | ​ |  | 690 | ​ |  | 201 | ​ |  | — | ​ |  | 891 | ​ |  | 536,003 | ​ |  | 1,587 | ​ |  | 538,481
Other loans | ​ |  | 25 | ​ |  | 3 | ​ |  | — | ​ |  | 28 | ​ |  | 13,864 | ​ |  | ​ | ​ |  | 13,892
​ | ​ | $ | 8,768 | ​ | $ | 930 | ​ | $ | 514 | ​ | $ | 10,212 | ​ | $ | 9,220,317 | ​ | $ | 22,302 | ​ | $ | 9,252,831
September 30, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 194 | ​ | $ | 17 | ​ | $ | — | ​ | $ | 211 | ​ | $ | 954,558 | ​ | $ | 549 | ​ | $ | 955,318
Commercial non-owner occupied | ​ |  | 173 | ​ |  | — | ​ |  | 299 | ​ |  | 472 | ​ |  | 1,776,366 | ​ |  | 489 | ​ |  | 1,777,327
Commercial owner occupied | ​ |  | 2,818 | ​ |  | 1,588 | ​ |  | — | ​ |  | 4,406 | ​ |  | 1,669,227 | ​ |  | 4,062 | ​ |  | 1,677,695
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 1,390 | ​ |  | 79 | ​ |  | — | ​ |  | 1,469 | ​ |  | 2,109,103 | ​ |  | 7,555 | ​ |  | 2,118,127
Home equity loans | ​ |  | 425 | ​ |  | 237 | ​ |  | — | ​ |  | 662 | ​ |  | 519,701 | ​ |  | 1,381 | ​ |  | 521,744
Commercial and industrial | ​ |  | 1,209 | ​ |  | 327 | ​ |  | 30 | ​ |  | 1,566 | ​ |  | 1,126,682 | ​ |  | 2,599 | ​ |  | 1,130,847
Other income producing property | ​ |  | 115 | ​ |  | 181 | ​ |  | — | ​ |  | 296 | ​ |  | 219,981 | ​ |  | 680 | ​ |  | 220,957
Consumer | ​ |  | 558 | ​ |  | 114 | ​ |  | — | ​ |  | 672 | ​ |  | 522,829 | ​ |  | 1,539 | ​ |  | 525,040
Other loans | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 1,457 | ​ |  | — | ​ |  | 1,457
​ | ​ | $ | 6,882 | ​ | $ | 2,543 | ​ | $ | 329 | ​ | $ | 9,754 | ​ | $ | 8,899,904 | ​ | $ | 18,854 | ​ | $ | 8,928,512
​ The following table presents an aging analysis of past due accruing loans, segregated by class for acquired non-credit impaired loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ | ​ | ​ | ​ |  | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Non-Accruing | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 20 | ​ | $ | — | ​ | $ | 92 | ​ | $ | 112 | ​ | $ | 32,758 | ​ | $ | 699 | ​ | $ | 33,569
Commercial non-owner occupied | ​ |  | 144 | ​ |  | 1,146 | ​ |  | 76 | ​ |  | 1,366 | ​ |  | 445,682 | ​ |  | 393 | ​ |  | 447,441
Commercial owner occupied | ​ |  | 890 | ​ |  | 702 | ​ |  | — | ​ |  | 1,592 | ​ |  | 304,698 | ​ |  | 903 | ​ |  | 307,193
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 637 | ​ |  | 24 | ​ |  | 59 | ​ |  | 720 | ​ |  | 493,361 | ​ |  | 2,350 | ​ |  | 496,431
Home equity loans | ​ |  | 232 | ​ |  | 55 | ​ |  | — | ​ |  | 287 | ​ |  | 185,378 | ​ |  | 3,067 | ​ |  | 188,732
Commercial and industrial | ​ |  | 93 | ​ |  | 204 | ​ |  | — | ​ |  | 297 | ​ |  | 100,861 | ​ |  | 722 | ​ |  | 101,880
Other income producing property | ​ |  | 378 | ​ |  | 4,309 | ​ |  | 48 | ​ |  | 4,735 | ​ |  | 89,861 | ​ |  | 1,101 | ​ |  | 95,697
Consumer | ​ |  | 364 | ​ |  | 191 | ​ |  | — | ​ |  | 555 | ​ |  | 87,325 | ​ |  | 1,604 | ​ |  | 89,484
​ | ​ | $ | 2,758 | ​ | $ | 6,631 | ​ | $ | 275 | ​ | $ | 9,664 | ​ | $ | 1,739,924 | ​ | $ | 10,839 | ​ | $ | 1,760,427
September 30, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 323 | ​ | $ | — | ​ | $ | — | ​ | $ | 323 | ​ | $ | 51,948 | ​ | $ | 1,031 | ​ | $ | 53,302
Commercial non-owner occupied | ​ |  | 697 | ​ |  | — | ​ |  | — | ​ |  | 697 | ​ |  | 502,480 | ​ |  | 266 | ​ |  | 503,443
Commercial owner occupied | ​ |  | 2,400 | ​ |  | 168 | ​ |  | — | ​ |  | 2,568 | ​ |  | 341,539 | ​ |  | 933 | ​ |  | 345,040
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 807 | ​ |  | — | ​ |  | — | ​ |  | 807 | ​ |  | 540,886 | ​ |  | 1,739 | ​ |  | 543,432
Home equity loans | ​ |  | 438 | ​ |  | 107 | ​ |  | — | ​ |  | 545 | ​ |  | 194,533 | ​ |  | 3,034 | ​ |  | 198,112
Commercial and industrial | ​ |  | 857 | ​ |  | 32 | ​ |  | — | ​ |  | 889 | ​ |  | 124,511 | ​ |  | 692 | ​ |  | 126,092
Other income producing property | ​ |  | 1,008 | ​ |  | 292 | ​ |  | — | ​ |  | 1,300 | ​ |  | 101,523 | ​ |  | 270 | ​ |  | 103,093
Consumer | ​ |  | 446 | ​ |  | 33 | ​ |  | — | ​ |  | 479 | ​ |  | 90,979 | ​ |  | 1,631 | ​ |  | 93,089
​ | ​ | $ | 6,976 | ​ | $ | 632 | ​ | $ | — | ​ | $ | 7,608 | ​ | $ | 1,948,399 | ​ | $ | 9,596 | ​ | $ | 1,965,603
​ The following table presents an aging analysis of past due accruing loans, segregated by class for acquired credit impaired loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30 - 59 Days |  | 60 - 89 Days |  | 90+ Days |  | Total |  | ​ | ​ |  | Total
(Dollars in thousands) | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current | ​ | Loans
December 31, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | 2,283 | ​ | $ | — | ​ | $ | 2,659 | ​ | $ | 4,942 | ​ | $ | 125,996 | ​ | $ | 130,938
Commercial real estate—construction and development | ​ |  | — | ​ |  | — | ​ |  | 393 | ​ |  | 393 | ​ |  | 24,639 | ​ |  | 25,032
Residential real estate | ​ |  | 2,838 | ​ |  | 976 | ​ |  | 5,571 | ​ |  | 9,385 | ​ |  | 153,974 | ​ |  | 163,359
Consumer | ​ |  | 820 | ​ |  | 283 | ​ |  | 534 | ​ |  | 1,637 | ​ |  | 33,851 | ​ |  | 35,488
Commercial and industrial | ​ |  | 118 | ​ |  | 910 | ​ |  | 75 | ​ |  | 1,103 | ​ |  | 5,926 | ​ |  | 7,029
​ | ​ | $ | 6,059 | ​ | $ | 2,169 | ​ | $ | 9,232 | ​ | $ | 17,460 | ​ | $ | 344,386 | ​ | $ | 361,846
September 30, 2019 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | 444 | ​ | $ | 252 | ​ | $ | 2,671 | ​ | $ | 3,367 | ​ | $ | 145,767 | ​ | $ | 149,134
Commercial real estate—construction and development | ​ |  | 88 | ​ |  | — | ​ |  | 261 | ​ |  | 349 | ​ |  | 26,581 | ​ |  | 26,930
Residential real estate | ​ |  | 2,317 | ​ |  | 1,143 | ​ |  | 5,016 | ​ |  | 8,476 | ​ |  | 166,568 | ​ |  | 175,044
Consumer | ​ |  | 948 | ​ |  | 185 | ​ |  | 499 | ​ |  | 1,632 | ​ |  | 35,180 | ​ |  | 36,812
Commercial and industrial | ​ |  | 282 | ​ |  | — | ​ |  | 77 | ​ |  | 359 | ​ |  | 7,753 | ​ |  | 8,112
​ | ​ | $ | 4,079 | ​ | $ | 1,580 | ​ | $ | 8,524 | ​ | $ | 14,183 | ​ | $ | 381,849 | ​ | $ | 396,032
​ The following is a summary of information pertaining to nonaccrual loans by class, including restructured loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | September 30, | ​ | Greater than | ​ | Non-accrual | ​
(Dollars in thousands) |  | 2019 |  | 2020 | ​ | 90 Days Accruing(1) |  | with no allowance(1) |
Construction and land development | ​ | $ | 1,193 | ​ | $ | 1,645 | ​ | $ | — | ​ | $ | 537 | ​
Commercial non-owner occupied | ​ |  | 1,154 | ​ |  | 7,047 | ​ | ​ | — | ​ |  | 2,683 | ​
Commercial owner occupied real estate | ​ |  | 4,385 | ​ |  | 30,813 | ​ | ​ | 526 | ​ |  | 12,165 | ​
Consumer owner occupied | ​ |  | 9,718 | ​ |  | 33,097 | ​ | ​ | 1 | ​ |  | 467 | ​
Home equity loans | ​ |  | 4,640 | ​ |  | 11,430 | ​ | ​ | 379 | ​ |  | 1,281 | ​
Commercial and industrial | ​ |  | 6,913 | ​ |  | 12,724 | ​ | ​ | 632 | ​ |  | 1,131 | ​
Other income producing property | ​ |  | 1,947 | ​ |  | 8,124 | ​ | ​ | — | ​ |  | 1,180 | ​
Consumer | ​ |  | 3,191 | ​ |  | 6,014 | ​ | ​ | 4 | ​ |  | — | ​
Total loans on nonaccrual status | ​ | $ | 33,141 | ​ | $ | 110,894 | ​ | $ | 1,542 | ​ | $ | 19,444 | ​
​
| (1) | – Greater than 90 days accruing and non-accrual with no allowance loans at September 30, 2020.
​ There is no interest income recognized during the period on nonaccrual loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Loans on nonaccrual status in which there is no allowance assigned are individually evaluated loans that do not carry a specific reserve. See Note 2 – Summary of Significant Accounting Policies for further detailed on individually evaluated loans. The increase in the nonaccrual balance in the above schedule, compared to December 31, 2019, is mainly due to the addition of nonaccrual loans of $69.3 million through the merger with CSFL in the second quarter. The increase was also partially due to the addition of $21.0 million of PCD loans, formerly accounted for as credit impaired loans, prior to the adoption of ASU 2016-13. These loans were previously excluded from nonaccrual loans. The adoption of ASU 2016-13 resulted in the discontinuation of the pool-level accounting for acquired credit impaired loans and replaced it with loan-level evaluation for nonaccrual status. ​ The following is a summary of information pertaining to non-acquired nonaccrual loans by class, including restructured loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | September 30, | ​
(Dollars in thousands) |  | 2019 |  | 2019 |
Commercial non-owner occupied real estate: | ​ | ​ |  | ​ | ​ |  | ​
Construction and land development | ​ | $ | 363 | ​ | $ | 412 | ​
Commercial non-owner occupied | ​ |  | 732 | ​ |  | 457 | ​
Total commercial non-owner occupied real estate | ​ |  | 1,095 | ​ |  | 869 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ |  | 7,202 | ​ |  | 7,374 | ​
Home equity loans | ​ |  | 1,468 | ​ |  | 1,273 | ​
Total consumer real estate | ​ |  | 8,670 | ​ |  | 8,647 | ​
Commercial owner occupied real estate | ​ |  | 3,482 | ​ |  | 4,062 | ​
Commercial and industrial | ​ |  | 4,092 | ​ |  | 2,565 | ​
Other income producing property | ​ |  | 798 | ​ |  | 628 | ​
Consumer | ​ |  | 1,587 | ​ |  | 1,539 | ​
Restructured loans | ​ |  | 2,578 | ​ |  | 544 | ​
Total loans on nonaccrual status | ​ | $ | 22,302 | ​ | $ | 18,854 | ​
​ The following is a summary of information pertaining to acquired non-credit impaired nonaccrual loans by class, including restructured loans, for comparative periods, prior to the adoption of ASU 2016-13: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | September 30, | ​
(Dollars in thousands) |  | 2019 |  | 2019 | ​
Commercial non-owner occupied real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | $ | 699 | ​ | $ | 1,031 | ​
Commercial non-owner occupied | ​ | ​ | 393 | ​ | ​ | 266 | ​
Total commercial non-owner occupied real estate | ​ | ​ | 1,092 | ​ | ​ | 1,297 | ​
Consumer real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer owner occupied | ​ | ​ | 2,350 | ​ | ​ | 1,739 | ​
Home equity loans | ​ | ​ | 3,067 | ​ | ​ | 3,034 | ​
Total consumer real estate | ​ | ​ | 5,417 | ​ | ​ | 4,773 | ​
Commercial owner occupied real estate | ​ | ​ | 903 | ​ | ​ | 933 | ​
Commercial and industrial | ​ | ​ | 722 | ​ | ​ | 692 | ​
Other income producing property | ​ | ​ | 1,101 | ​ | ​ | 270 | ​
Consumer | ​ | ​ | 1,604 | ​ | ​ | 1,631 | ​
Total loans on nonaccrual status | ​ | $ | 10,839 | ​ | $ | 9,596 | ​
​ The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | Collateral | ​ | ​ | September 30, | ​ | Collateral | ​ | ​
(Dollars in thousands) |  | 2019 |  | Coverage | % | ​ | 2020 |  | Coverage | % | ​
Commercial non-owner occupied | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Church | ​ | $ | 245 | ​ | $ | 846 | 345% | ​ | $ | — | ​ | $ | — | ​ | ​
Office | ​ | ​ | 1,045 | ​ | ​ | 1,800 | 172% | ​ | ​ | 2,683 | ​ | ​ | 3,654 | 136% | ​
Other | ​ | ​ | 398 | ​ | ​ | 648 | 163% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Retail | ​ | ​ | 299 | ​ | ​ | 1,269 | 424% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Commercial owner occupied real estate | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Church | ​ | ​ | — | ​ | ​ | — | ​ | ​ | ​ | 1,943 | ​ | ​ | 1,984 | 102% | ​
Industrial | ​ | ​ | 738 | ​ | ​ | 1,103 | 149% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Office | ​ | ​ | 1,076 | ​ | ​ | 1,485 | 138% | ​ | ​ | 2,389 | ​ | ​ | 3,510 | 147% | ​
Retail | ​ | ​ | — | ​ | ​ | — | ​ | ​ | ​ | 4,327 | ​ | ​ | 5,490 | 127% | ​
Other | ​ | ​ | 3,303 | ​ | ​ | 7,285 | 221% | ​ | ​ | 1,050 | ​ | ​ | 1,075 | 102% | ​
Consumer owner occupied | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other | ​ | ​ | 5,413 | ​ | ​ | 9,286 | 172% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Home equity loans | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Other | ​ | ​ | 1,768 | ​ | ​ | 2,679 | 152% | ​ | ​ | 1,178 | ​ | ​ | 1,578 | 134% | ​
Commercial and industrial | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Industrial | ​ | ​ | 291 | ​ | ​ | 702 | 241% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Other | ​ | ​ | 3,696 | ​ | ​ | 8,442 | 228% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Other income producing property | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Other | ​ | ​ | 3,212 | ​ | ​ | 10,186 | 317% | ​ | ​ | 1,180 | ​ | ​ | 4,622 | 392% | ​
Consumer | ​ |  | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​
Other | ​ | ​ | 363 | ​ | ​ | 525 | 145% | ​ | ​ | — | ​ | ​ | — | ​ | ​
Total collateral dependent loans | ​ | $ | 21,847 | ​ | $ | 46,256 | ​ | ​ | $ | 14,750 | ​ | $ | 21,913 | ​ | ​
​ The Bank designates individually evaluated loans (excluding TDRs) on non-accrual with a net book balance exceeding the designated threshold as collateral dependent loans. Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining ACL. Under ASC 326-20-35-6, the Bank has adopted the collateral maintenance practical expedient to measure the ACL based on the fair value of collateral. The ACL is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for selling costs, and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required. The significant changes above in collateral percentage are due to appraisal value updates or changes in the number of loans within the asset class and collateral type. Overall collateral dependent loans decreased by $7.1 million from December 31, 2019 compared to the balance at September 30, 2020. ​ In the course of resolving delinquent loans, the Bank may choose to restructure the contractual terms of certain loans. Any loans that are modified are reviewed by the Bank to determine if a TDR, sometimes referred to herein as a restructured loan, has occurred. The Bank designates loan modifications as TDRs when it grants a concession to a borrower that it would not otherwise consider due to the borrower experiencing financial difficulty (FASB ASC Topic 310-40). The concessions granted on TDRs generally include terms to reduce the interest rate, extend the term of the debt obligation, or modify the payment structure on the debt obligation. See Note 2 – Summary of Significant Accounting Policies for how such modifications are factored into the determination of the ACL. ​ Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of concession are initially classified as accruing TDRs if the note is reasonably assured of repayment and performance is expected in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the concession date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. Nonaccrual TDRs are returned to accruing status when there is economic substance to the restructuring, there is documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated sustained repayment performance in accordance with the modified terms for a reasonable period of time (generally a minimum of six months). In prior periods, our TDR levels were deemed to be immaterial, therefore no comparative data is shown. ​ The Company elected the accounting policy in the CARES Act to not apply TDR accounting to loans modified for borrowers impacted by the COVID-19 pandemic if the concession meets the criteria stipulated in the CARES Act. Details in regards to the Company’s implemented loan modification programs in response to the COVID-19 pandemic under the CARES Act is disclosed under the Note 2 – Summary of Significant Accounting Policies. ​ The following table presents loans designated as TDRs segregated by class and type of concession that were restructured during the three and nine months ended September 30, 2020. ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Three Months Ended September 30, 2020
​ | ​ | ​ | Pre-Modification | ​ | Post-Modification | ​
​ | Number | ​ | Amortized | ​ | Amortized | ​
(Dollars in thousands) | of loans | ​ | Cost | ​ | Cost | ​
Interest rate modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | -- | ​ | $-- | ​ | $-- | ​
Commercial non-owner occupied | -- | ​ | -- | ​ | -- | ​
Commercial owner occupied | 1 | ​ | 4,637 | ​ | 4,637 | ​
Consumer owner occupied | -- | ​ | -- | ​ | -- | ​
Home equity loans | -- | ​ | -- | ​ | -- | ​
Commercial and industrial | 2 | ​ | 336 | ​ | 336 | ​
Other income producing property | 1 | ​ | 61 | ​ | 61 | ​
Consumer | -- | ​ | -- | ​ | -- | ​
Other loans | -- | ​ | -- | ​ | -- | ​
Total interest rate modifications | 4 | ​ | $5,034 | ​ | $5,034 | ​
Term modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | -- | ​ | $-- | ​ | $-- | ​
Commercial non-owner occupied | -- | ​ | -- | ​ | -- | ​
Commercial owner occupied | 1 | ​ | 185 | ​ | 185 | ​
Consumer owner occupied | 1 | ​ | 72 | ​ | 72 | ​
Home equity loans | -- | ​ | -- | ​ | -- | ​
Commercial and industrial | 2 | ​ | 295 | ​ | 295 | ​
Other income producing property | -- | ​ | -- | ​ | -- | ​
Consumer | 3 | ​ | 120 | ​ | 120 | ​
Other loans | -- | ​ | -- | ​ | -- | ​
Total term modifications | 7 | ​ | $672 | ​ | $672 | ​
​ | 11 | ​ | $ 5,706 | ​ | $ 5,706 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Nine Months Ended September 30, 2020
​ | ​ | ​ | Pre-Modification | ​ | Post-Modification | ​
​ | Number | ​ | Amortized | ​ | Amortized | ​
(Dollars in thousands) | of loans | ​ | Cost | ​ | Cost | ​
Interest rate modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | 2 | ​ | $99 | ​ | $99 | ​
Commercial non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​
Commercial owner occupied | 2 | ​ | 5,842 | ​ | 5,842 | ​
Consumer owner occupied | 1 | ​ | 29 | ​ | 29 | ​
Home equity loans | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | 8 | ​ | 859 | ​ | 859 | ​
Other income producing property | 1 | ​ | 61 | ​ | 61 | ​
Consumer | ​ | ​ | ​ | ​ | ​ | ​
Other loans | ​ | ​ | ​ | ​ | ​ | ​
Total interest rate modifications | 14 | ​ | $6,890 | ​ | $6,890 | ​
Term modification | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | -- | ​ | $-- | ​ | $-- | ​
Commercial non-owner occupied | -- | ​ | -- | ​ | -- | ​
Commercial owner occupied | 1 | ​ | 185 | ​ | 185 | ​
Consumer owner occupied | 5 | ​ | 591 | ​ | 591 | ​
Home equity loans | 1 | ​ | 51 | ​ | 51 | ​
Commercial and industrial | 3 | ​ | 563 | ​ | 563 | ​
Other income producing property | ​ | ​ | ​ | ​ | ​ | ​
Consumer | 3 | ​ | 120 | ​ | 120 | ​
Other loans | -- | ​ | -- | ​ | -- | ​
Total term modifications | 13 | ​ | $1,510 | ​ | $1,510 | ​
​ | 27 | ​ | $ 8,400 | ​ | $ 8,400 | ​
​ At September 30, 2020, the balance of accruing TDRs was $16.2 million. The Company had $1.6 million remaining availability under commitments to lend additional funds on restructured loans at September 30, 2020. The amount of specific reserve associated with restructured loans was $1.2 at September 30, 2020. ​ The following table presents the changes in status of loans restructured within the previous 12 months as of September 30, 2020 by type of concession. The subsequent default in this case had no impact on the expected credit losses. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Paying Under | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Restructured Terms | ​ | Converted to Nonaccrual | ​ | Foreclosures and Defaults
​ | ​ | Number | ​ | Amortized | ​ | Number | ​ | Amortized | ​ | Number | ​ | Amortized
(Dollars in thousands) | ​ | of Loans | ​ | Cost | ​ | of Loans | ​ | Cost | ​ | of Loans | ​ | Cost
Interest rate modification | ​ | 15 | ​ | $ 6,923 | ​ | -- | ​ | $-- | ​ | -- | ​ | $--
Term modification | ​ | 14 | ​ | 1,482 | ​ | -- | ​ | -- | ​ | 1 | ​ | 268
​ | ​ | 29 | ​ | $ 8,405 | ​ | -- | ​ | $-- | ​ | 1 | ​ | $268
​

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